Optional Coverage to Consider for Your Manufactured Homes Insurance Policy

When buying manufactured homes insurance, you have a lot of different options to consider, all of them beneficial for their own reasons. Personal property coverage, dwelling and other structure coverage, and liability protection are very important coverage options to include. Here are 3 other options that you might not have thought of before but might be beneficial regardless.

  1. Reimbursement for Personal Property – Personal property reimbursement covers your valuable items up to the amount that it would require to replace those items. This can be very beneficial if you have valuable items such as antiques, sporting equipment, or expensive jewelry.
  2. Fire Department Coverage – If the fire department is called to your property, there will be certain charges related to their services. These fees and charges might be small or not, depending on the extent of the fire damage, so obtaining this type of coverage may be very important to ensure you don’t pay these costs at all.
  3. Trip Collision Coverage – Trip collision coverage is one type of insurance coverage that is unique to manufactured homes. This type of coverage protects your home as it is being transported from one place to another.

When you are buying manufactured homes insurance, there are a lot of insurance coverages that you are required to have and others that may be good to have based on your situation. Discuss these with your insurance agent to make the best decision.